Credit union · NCUA insured
Illiana Financial CD Rates
Top CarrotIlliana Financial’s best CD rate is 3.51% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Illiana Financial’s CD rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Illiana Financial has the most branches. $10,000, best rate first.
This credit union’s best
Illiana Financial
3.51%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $1,883
Term Certificates
Top rate
Vicinity Credit Union
5.15%APY
- Term
- 13 months
- Minimum
- $1,000
- Earns on $10,000
- $559
2nd-highest rate
Whiting Refinery Federal Credit Union
5.12%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,836
Illiana Financial CD score
70
CD score
Higher than 25% of U.S. banks and credit unions
- 3–8 months3–8 mo1.75%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo3.51%
- QualifiedQualified3.51%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Illiana Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Term Certificates
Up to 3.51%APY · 7 terms
Dividends are paid monthly and at maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.75% | $19 |
| 6 months | 1.75% | $87 |
| 12 monthsAsk how you can get .20 additional basis point on your next certificate | 2.25% | $225 |
| 24 monthsAsk how you can get .20 additional basis point on your next certificate | 2.50% | $506 |
| 36 monthsAsk how you can get .20 additional basis point on your next certificate | 3.00% | $927 |
| 48 monthsAsk how you can get .20 additional basis point on your next certificate | 3.25% | $1,365 |
| 60 monthsAsk how you can get .20 additional basis point on your next certificate | 3.51% | $1,883 |
Special-purpose accounts
IRA Term Certificates
Up to 3.51%APY · 6 terms
Available as Traditional IRA and Roth IRA certificates. 3-month term is not available as an IRA certificate. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.75% | $87 |
| 12 monthsAsk how you can get .20 additional basis point on your next certificate | 2.25% | $225 |
| 24 monthsAsk how you can get .20 additional basis point on your next certificate | 2.50% | $506 |
| 36 monthsAsk how you can get .20 additional basis point on your next certificate | 3.00% | $927 |
| 48 monthsAsk how you can get .20 additional basis point on your next certificate | 3.25% | $1,365 |
| 60 monthsAsk how you can get .20 additional basis point on your next certificate | 3.51% | $1,883 |
Sources (2)
- illiana.org/accounts/savings/i…savings-ira-certificates
- illiana.org/docs/default-sourc…-rate-sheet-12-18-25.pdf
All captured Sep 17, 2026
Who can join Illiana Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person living, working, or worshipping within specified geographical boundaries (North to Route 176, East to Route 421, South to Route 24, West to Route 47) is eligible for membership.
Membership information collected October 5, 2026.